Credit Risk Associate

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. 

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

Join the Commercial Real Estate (CRE) team within Community Development Banking (CDB), part of Commercial Banking at JPMorganChase. In this role, you will support the credit management of a portfolio of CDB clients through disciplined underwriting, ongoing monitoring, and portfolio analytics across the business cycle. You will work in a collaborative environment that emphasizes continuous learning, development, and strong stakeholder partnership.

Job Responsibilities: 

• Manage own client portfolio – Extensive and in-depth portfolio monitoring; Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures. 
• Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc. 
• Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
• Develop strong expertise in Commercial Real Estate and Affordable Housing sectors in North America; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.
• Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc.
• Mentor and train junior analysts in the team on fundamentals of credit risk analysis, internal systems & processes; and supervise/ review their work.
• Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.
• Ad-hoc projects as necessary.

Required Qualifications: 

• MBAs (with Finance specialization) / CA
• 4-10 years of experience in credit risk; experience in real estate sector is preferred. 

• Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles. 

• Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation. 

• Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector.

• Deadline orientation; strong attention to detail and high accuracy.

• Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications.

• Ability to work proactively & independently, as well as in a team environment.

• Strong & Effective communication skills – both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders at various hierarchies.

• Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts.